Frequently Asked Questions

Since the specialty RV policy is designed exclusively for the RVer, it makes sense that it includes a whole list of coverages not provided by a policy developed to accommodate the average auto owner.

Total Loss Replacement is an extremely important specialty RV coverage that provides the RV owner with a new RV of like make and model in the event of total loss in the first five vehicle model years. This means depreciation is not added into the settlement costs and the RVer drives away with a new RV. Other features include Agreed Value for classic motorhomes and bus conversions; Disappearing Deductibles, which reduce your deductibles 25% for each year you remain claim-free; Emergency Expense Coverage; Unlimited Towing and Roadside Assistance; and coverage that follows you into Canada and Mexico. Find out more.

A deductible is simply the amount of your claim that you agree to pay. For example, suppose you have an accident that causes $10,000 of damage to your RV. If your policy has a collision deductible of $500, then you pay the first $500 of the claim, and the insurance company pays the remaining $9,500.

Two types of deductibles in your policy are set at your discretion: comprehensive and collision. Collision covers your vehicle for damage occurring as a result of colliding with another vehicle or object. Comprehensive covers damage from something other than a collision, which is why it's often referred to as "Other Than Collision."

With the disappearing deductibles feature, your deductibles are discounted 25% for every year that you are claim-free. After four claim-free years, your deductible would be discounted 100%, so you'd pay no deductible on your next claim. Then your deductibles are reset to your selected level.

Your homeowner policy covers some of your personal contents but most often excludes or severely limits coverage for off-premise property, like items in storage, and can exclude coverage for certain types of losses, like collision. Our specialty RV policies pick up where your homeowner policy coverage ends and replaces stolen or damaged goods at full replacement value.

Most Aon Recreation Insurance policies offer coverage for add-ons and tow dollies. Add-ons include items such as awnings, antennas, cabanas, external racks, and satellite dishes. Built-in appliances are also covered subject to policy guidelines.

It is okay to loan your RV to a friend or relative occasionally as long as no money is exchanged. However, some insurance companies do require the borrower be added to the policy if the vehicle is loaned more than a few times a year. Remember, although another person may be temporarily covered by your policy, any losses that occur while another person is driving your vehicle are still your responsibility. The insurance follows the vehicle, not the driver.

Yes, Aon Recreation Insurance can provide insurance for visitors RVing in the United States as long as the RV is registered and garaged in the United States.

No, we do not offer RV insurance policies for rented RVs.

Yes, Aon Recreation Insurance can offer RV insurance to those RVers using their vehicle to produce income. When you request an RV quote you will be asked whether you use your RV for business and if so, to briefly describe your business. This information will help us provide you with a custom quote for your unique situation.

Our policy premium is based on seasonal usage, since the majority of RVers do not use their RVs year-round. For full-time RVers we charge additional premium to account for the additional usage.

A Notice of Cancellation is sent to let you know that your policy will be terminated unless provisions are made. It is urgent that you call our client service center at 800-521-2942 at your first opportunity. Our agents are available weekdays from 9:00 AM to 7:00 PM EST to work with you and determine the best way to keep your policy current.

To start coverage, simply call us at 800-449-8943. Our agents are available weekdays from 9:00 AM to 7:00 PM EST.

The claim adjusters who service Aon Recreation Insurance policyholders are specialists who have been trained to handle RV claims. Auto claim adjusters, unlike RV claim adjusters, are often unfamiliar with RVers' unique needs.

Since Aon Recreation Insurance is an insurance broker, we have the flexibility to place your coverage with a variety of insurance companies. All situations vary, but if you are cancelled due to insurance company guidelines, most times we'll be able to secure coverage for you with another specialty RV insurance company.

No. Of course, RV experts recommend supplemental braking systems for towed vehicles because this can help prevent an accident. Our carriers do not, however, deny claims based purely on that factor.

To expedite your claim or receive towing assistance immediately, please contact your insurance company directly.

Your lienholder will receive notice regarding your insurance coverage in the following situations:

• When your policy renews each year
• When you switch the vehicle on your policy
• When you purchase an additional vehicle and add it to your policy
• When you cancel your policy
• When your policy is cancelled by the insurance company

If your lienholder needs information about your policy or confirmation of coverage, contact us at 800-521-2942 weekdays from 9:00 AM to 7:00 PM EST.

You will automatically receive an ID card in the following situations:

• When you start a new policy
• When your policy renews each year
• When you switch the vehicle on your policy
• When you purchase an additional vehicle and add it to your policy
• When your registration address changes

If you need a replacement ID card, request an ID card online or contact us at 800-521-2942 weekdays from 9:00 AM to 7:00 PM EST.

If you travel from the U.S. into Canada, your coverage remains intact and your regular U.S. ID card serves as proof of your insurance coverage. Once in Canada, if you travel between provinces, you may be asked to show proof that you have insurance valid in Canada, which requires a Canadian ID card. Your towing and roadside assistance coverage extends to anywhere in Canada on a reimbursement basis.

If you need a Canadian ID card, it's easy to request an ID card online or contact us at 800-521-2942 weekdays from 9:00 AM to 7:00 PM EST."

If you travel into Mexico you must purchase Mexican liability from a Mexican-licensed insurance company before your trip, or you can purchase liability at the border of Mexico.

If you wish to also carry comprehensive and collision insurance on your vehicle while in Mexico, call us at 800-449-8943. We can easily and quickly add this inexpensive endorsement to your current specialty RV policy if you don't already have it. Please be aware that you must keep your Mexican liability insurance in effect during your entire visit to Mexico for your Mexican comprehensive and collision coverage with Aon Recreation Insurance to remain in force. Towing and roadside assistance is covered on a reimbursement basis while in Mexico.

A Notice of Cancellation is sent to let you know that your policy will be terminated unless provisions are made. It is urgent that you call our client service center at 800-521-2942 at your first opportunity. Our agents are available weekdays from 9:00 AM to 7:00 PM EST to work with you and determine the best way to keep your policy current.

Aon Recreation Insurance has been in business for nearly four decades. We invented the specialty RV policy in 1966, and since then we've continued to introduce innovative coverage features to meet RVer's unique needs.

Over the course of our 39-year history, RV Alliance America has focused its attention on offering the best possible RV insurance coverage. However, as RVers continue to purchase boats, motorcycles and snowmobiles to go along with their RV lifestyle, we're keeping pace by offering coverage for these additional vehicles. Therefore, to better reflect who we are and what we do, we're changing our name to Aon Recreation Insurance in March 2005. Aon, which is Gaelic for unity or oneness, is our parent company's name, and we're proud to finally identify ourselves as an Aon company. Aon Recreation insurance is more representative of our broad product offering and lets outdoor enthusiasts of all kinds know we can meet all of their recreation vehicle insurance needs.

Amazingly, specialty RV insurance is comparable and often less than auto insurance - and you get a whole lot more coverage for your money. How is this possible? RVers are generally more mature, safer drivers than the general auto-driving population. RVs are used less for commuting and quick trips - times when many auto accidents occur. RVs are a much greater investment than cars, so drivers tend to be more careful on the road. All of these factors add up to fewer claims for RV insurance companies, which mean lower premium costs for you. Auto insurance companies clearly experience more frequent losses than specialty RV insurance providers and, therefore, must charge a higher premium across the board to both auto and RV owners.

Since the specialty RV policy is designed exclusively for the RVer, it makes sense that it includes a whole list of coverages not provided by a policy developed to accommodate the average auto owner. Total Loss Replacement is an extremely important specialty RV coverage that provides the RV owner with a new RV of like make and model in the event of total loss in the first five vehicle model years. This means depreciation is not added into the settlement costs and the RVer drives away with a new RV. Other features include Agreed Value for classic motorhomes and bus conversions; Disappearing Deductibles, which reduce your deductibles 25% for each year you remain claim-free; Emergency Expense Coverage; Unlimited Towing and Roadside Assistance; and coverage that follows you into Canada and Mexico.